Vitals
  • Total Assets
    426.5M 5.8 %
  • Total Deposits
    378.8M 6.1 %
  • Total Net Loans
    250.9M 2.9 %
  • Net Income
    5.1M -5.1 %
  • Book Value
    44.9M 3.5 %
  • Book Value x2
    89.8M 3.5 %
  • Book Value x3
    134.7M 3.5 %
ROAA

1.228

ROAE

11.302

Efficiency Ratio

59.298

Net Interest Margin

4.151

Balance Sheet Highlights
Financial Highlights First State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 426,482 358,087
Total Net Loans 250,863 213,533
Total Deposits 378,804 308,027
Total Equity 44,885 38,740
Profitability
Net Income 5,101 3,845
Return on Average Assets 1.228 1.025
Return on Average Equity 11.302 9.415
Net Interest Margin 4.151 3.773
Efficiency Ratio 59.298 66.762
Noninterest Income/Revenue 18.344 16.375
Balance Sheet Ratios
Loan-to-Deposit 66.225 65.494
Securities/Assets .333 .214
Total Equity/Total Assets .105 .108
Tangible Equity/Tangible Assets .105 .104
Capital Adequacy
Tier 1 Common Capital 45,744 37,278
Tier 1 Capital 45,744 37,303
Tier 2 Capital 2,983 2,526
Total Capital 48,727 39,866
Total Risk Weighted Assets 239,969 237,367
Leverage Ratio 10.9 10.563
Common Equity Tier 1 Capital Ratio 19.06 18.073
Tier 1 Capital Ratio 19.06 18.097
Total Capital Ratio 20.31 19.169

Timeline for First State Bank

Athens, Tx Bancshares, Inc.

Athens, Tx Bancshares, Inc. became a new parent organization for First State Bank.

View Profile Oct 01 2013

Jane Austin Chapman Limited Partnership, L.P.

Jane Austin Chapman Limited Partnership, L.P. became a new parent organization for First State Bank.

View Profile Feb 01 2002

Jsa Family Limited Partnership

Jsa Family Limited Partnership became a new parent organization for First State Bank.

View Profile Aug 01 2001

Bank Of Athens, National Association

Acquisition: First State Bank acquired a new subsidiary, Bank Of Athens, National Association, 30 years

View Profile Jul 30 1994

Bank Of Mabank

Acquisition: First State Bank acquired a new subsidiary, Bank Of Mabank, 36 years

View Profile Dec 18 1987

Want to see more?

Complete timeline for First State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of Athens, National Association Seller 28,898 Discontinued 7/30/1994
Bank Of Mabank Seller 43,846 Failure 12/18/1987
Relationships Role Relationship Start Relationship End
Athens, Tx Bancshares, Inc. Parent 10/1/2013
Jsa Family Limited Partnership Parent 8/1/2001 9/30/2013
Jane Austin Chapman Limited Partnership, L.P. Parent 2/1/2002 9/30/2013
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